Opening or upgrading a bakery? Whether you’re crafting sourdough, custom cakes, or morning croissants, your equipment will make or break your efficiency. But commercial ovens, dough mixers, and refrigeration units can cost thousands. The good news? You don’t need to pay everything upfront. Here’s how to finance bakery equipment like mixers, ovens, and coolers—without draining your dough.
How can I finance bakery equipment like mixers and ovens?
You can finance bakery equipment through leasing, equipment loans, or SBA loans, allowing you to pay over time while using the equipment immediately.
High-performance baking equipment boosts:
Production speed
Consistency and quality
Compliance with health codes
Energy efficiency and longevity
But a full setup—including mixers, ovens, and refrigeration—can cost $30,000–$100,000+. That’s why many bakers choose to finance.
Related: Equipment Financing 101: Everything You Need to Know
Nearly all essential bakery tools and systems can be financed, including:
Dough mixers (planetary, spiral, vertical)
Convection and deck ovens
Proofers and retarders
Refrigerators, freezers, and display cases
Work tables and sheeters
POS systems and small wares
Low upfront cost
Fixed monthly payments
Option to return, upgrade, or buy at lease end
Perfect for startups or seasonal bakeries
Immediate ownership
Spread payments over 2–7 years
Ideal for long-term-use items like ovens or walk-ins
Up to $5 million in funding
Long terms (up to 10 years) and low rates
Great for new bakeries or expansion projects
Related: Restaurant Equipment Financing: Kitchens, Ovens, and More
| Equipment | Estimated Cost | Financing Term | Monthly Payment |
|---|---|---|---|
| Spiral Dough Mixer | $6,500 | 48 months | ~$155/month |
| Convection Oven | $8,800 | 48 months | ~$210/month |
| Bakery Display Fridge | $5,200 | 36 months | ~$160/month |
Most lenders require:
Business license or EIN
Quote/invoice from equipment supplier
3–6 months of bank statements
Business plan (for startups)
Credit score (typically 600+)
✅ Tip: You can often bundle multiple pieces of bakery equipment under one financing agreement.
Choose equipment and gather quotes
Decide between leasing or owning
Compare lenders or SBA loan options
Submit documents and get approved
Sign and schedule delivery or installation
The right equipment transforms your bakery from a good idea into a profitable business. With flexible financing, you can get started faster, operate smoother, and preserve cash flow for ingredients, staff, and growth.
Need pro-grade mixers, ovens, or refrigerators?
Compare bakery equipment financing options now and bring your baking dreams to life—without the financial stress.